Bit confused, what NZD have to do with sending money to Philipines? The example could of used Venezulan Bolivar lol.
In the quote i used you suggested you may as well send NZD in an envelope as that would be about as useful as bitcoin, then you said you are not bagging bitcoin but then said nothing about NZD. So to get back on topic i vaguely remember a topic exactly the same as this last year from a member wanting to send money to workers over there (was that you?). If it is only a couple of hundy each bank and exchange fees will be minimal so that would be my option if it was me doing it. Everything else seem like a bit of a hassle for both you and them.
Yes, someone suggested I send bitcoin, and my reply was that sending btc isn’t an option ie in context that would be like sending NZD, since the goal is for end users to receive Phillipines pesos in their account. Hence no real comment about nzd. To solve the issue I ended up opening a Philippines bank account, a huge hassle but the easiest, to avoid $600 in fees.